You can invest with us in a global range of stocks, mutual funds, trackers, leveraged products and bonds. But also in structured products and options.
"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/1b1aae9abc724477/original/Video-2_Bepalen-waarin-je-belegt_v2.mp4","videoPreviewURLs":["https://assets.ing.com/asset/f6375493-1009-4b82-af7d-ea5527332136/480p/Video-2_Bepalen-waarin-je-belegt_v2.mp4","https://assets.ing.com/asset/f6375493-1009-4b82-af7d-ea5527332136/1080p/Video-2_Bepalen-waarin-je-belegt_v2.mp4","https://assets.ing.com/asset/f6375493-1009-4b82-af7d-ea5527332136/720p/Video-2_Bepalen-waarin-je-belegt_v2.mp4","https://assets.ing.com/asset/f6375493-1009-4b82-af7d-ea5527332136/mp4/Video-2_Bepalen-waarin-je-belegt_v2.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/1b1aae9abc724477/mini-Video-2_Bepalen-waarin-je-belegt_v2.jpg","webimage":"https://assets.ing.com/m/1b1aae9abc724477/webimage-Video-2_Bepalen-waarin-je-belegt_v2.jpg","thul":"https://assets.ing.com/m/1b1aae9abc724477/thul-Video-2_Bepalen-waarin-je-belegt_v2.jpg"},"extension":["mp4"]}},{"accordionList":[{"richBody":{"value":"When you invest in stocks, you buy a very small part of that company per share. And if that company makes a profit, you also receive a very small part of that profit, which is called dividend. You buy stocks on the stock exchange. With ING’s Self Invest (Zelf op de Beurs), you can buy stocks from many different companies.
"},"textLinks":[{"text":"Invest in shares (Dutch only)","url":"/particulier/beleggen/hoe-werkt-beleggen/beleggingsinstrumenten-aandelen"}],"title":"Invest in shares"},{"richBody":{"value":"A mutual fund is a collection of investments, of which many investors are joint owners. The money is spread across various types of investments. For example, across multiple companies, sectors and regions in the case of an equity fund. With this approach, you can easily spread the risks of your investment. If one sector is not performing well for a while, this can be compensated by another sector performing very well.
ETFs, or Exchange Traded Funds as they are fully called, are also referred to as trackers. With trackers, you can easily invest in a diversified way across an entire index. For example, the AEX index.
Index trackers or ETFs (Exchange Traded Funds) are investment products that closely follow an index. They combine the advantages of stocks and bonds with those of a mutual fund. Technically, an index tracker is a mutual fund in which all the stocks of an index are included in an identical proportion. As a result, an index tracker is almost identical to the level of an index or a part of it.
There are two ways in which index trackers follow an index: physical replication and synthetic replication.
Physical replication
In this case, the issuer of the index tracker purchases the underlying securities of the index. Some issuers have determined in their terms and conditions that they may lend out these securities (securities lending), buy derivatives or enter into swap agreements with them. In these transactions, there is always a counterparty involved. Counterparty risk in this case is the risk that this party cannot meet its obligations towards the issuer of the index tracker.
If additional conditions apply, these ETFs may also fall into the category of Complex trackers. This means that a certain level of knowledge and experience is required to purchase them. This is assessed through a so-called Knowledge and Experience Test.
Synthetic replication
In this case, the fund does not own any securities, but there is an agreement between the fund and a financial institution. Counterparty risk also applies here.
Synthetic trackers are by definition complex. Before you can trade in them, you must have passed the Knowledge and Experience Test for Complex trackers.
"},"textLinks":[{"text":"What is an ETF? (Dutch only)","url":"/particulier/beleggen/hoe-werkt-beleggen/beleggingsinstrumenten-etf"}],"title":"Investing in ETFs/trackers"},{"richBody":{"value":"When you buy bonds, you are essentially lending money to the issuer of those bonds. These are often governments or large companies. You can earn money if the value of the bond increases or because you receive coupon interest. This is interest on the amount you have lent to the company by purchasing the bond.
"},"textLinks":[{"text":"Investing in bonds (Dutch only)","url":"/particulier/beleggen/hoe-werkt-beleggen/beleggingsinstrumenten-obligaties"}],"title":"Investing in bonds"},{"richBody":{"value":"Options are derivative products: when you invest in options, you do not buy the securities themselves, but the right to buy or sell a quantity of securities, such as stocks, within a certain period at a predetermined price. You can also sell such an option again. By doing so, you sell that right. Options are traded on the stock exchange.
"},"textLinks":[{"text":"More about options (Dutch only)","url":"/particulier/beleggen/hoe-werkt-beleggen/beleggingsinstrumenten-opties"}],"title":"Investing in options"},{"richBody":{"value":"Structured products are composite investment products. Usually a bond and an option. They are structured in such a way that they, for example, protect against price losses or instead offer the potential for a higher return and therefore carry a higher risk.
"},"textLinks":[{"text":"More about structured products (Dutch only)","url":"/particulier/beleggen/hoe-werkt-beleggen/beleggingsinstrumenten-gestructureerde-producten"}],"title":"Investing in structured products"},{"richBody":{"value":"A leveraged product, like an option, is a derivative product. You do not buy a stock or bond, but an investment product that allows you to benefit more quickly or additionally from a price increase or decrease of a stock, index, commodity, bond or currency.
Please note!
Turbos are complex instruments and, due to the leverage effect, carry a high risk of rapidly increasing losses. 70% of retail investors incur losses when trading turbos with this provider. It is important that you fully understand how turbos work and consider whether you can afford the high risk of loss.
"},"textLinks":[{"text":"More about investing in leveraged products (Dutch only)","url":"/particulier/beleggen/hoe-werkt-beleggen/beleggingsinstrumenten-sprinters-hefboomproducten"}],"title":"Investing in leveraged products"},{"richBody":{"value":"If you want to invest in cryptocurrency, you can do so at ING via Crypto ETNs, also known as Crypto trackers.
An ETN (Exchange Traded Note) is a listed debt instrument that tracks the price movements of one or more cryptocurrencies. When you purchase an ETN, you do not become the owner of the cryptocurrency. The issuing institution of the ETN does actually invest in cryptocurrency and holds it in a so-called ‘wallet’. If the price of the underlying cryptocurrency moves, the price of the ETN moves to a similar extent.
Crypto ETNs are complex products with very high risks. Before you can invest in them, we first assess whether you have sufficient knowledge and experience in the categories of Complex trackers and Crypto ETNs.
"},"textLinks":[{"text":"More about investing in crypto ETNs","url":"/en/personal/investing/how-does-investing-work/beleggingsinstrumenten-cryptotrackers"}],"title":"Investing in Crypto ETNs"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"You can invest at ING in 4 different ways"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/3d404e5fc0ea94c0/original/Woman-skeptical-finger-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/148f275d-c1c0-4cee-b980-1df1b34045a1/Woman-skeptical-finger-spot"},"componentType":"paragraph","richBody":{"value":"Which investment method suits you best depends on your personal situation. Use our selection tool to find out which way of investing suits you best.
"},"textLinks":[{"text":"Investment selection tool","url":"/en/personal/savings-and-investing/investing-decision-aid"}]},{"componentType":"sectionTitle","title":"What are the risks of investing?"},{"componentType":"paragraph","richBody":{"value":"Investing involves risks and costs. You may lose your investment or part of it.
"},"textLinks":[{"text":"More about the risks of investing","url":"/en/personal/investing/investments-at-ing/risks-of-investing"},{"text":"General investment conditions","url":"/en/personal/investing/service/general-terms--conditions"}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"When you start investing, it is often thought to be complicated and time-consuming. But this certainly does not have to be the case.
It is important to invest in a diversified way. A globally diversified ETF can be a good first step in this. Or choose Easy Invest, our ready-made solution where you select one of our four funds and immediately start investing with good diversification.
Which way of investing suits you best depends on your personal situation. Use our selection tool to find out which way of investing suits you best.
"},"textLinks":[{"text":"Investment selection tool","url":"/en/personal/savings-and-investing/investing-decision-aid"}],"title":"What is the best way to invest as a beginner?"},{"richBody":{"value":"This depends on the goal you want to achieve, how much risk you are willing to take and how long you want to invest your money. Not sure where to start yet? Then our investing starter kit is a good starting point.
"},"textLinks":[{"text":"Investing starter kit (Dutch only)","url":"/particulier/beleggen/hoe-werkt-beleggen/beleggen-starterskit"}],"title":"What to invest in right now?"},{"richBody":{"value":"Calculate the expected return on your investments. Set different values and gain immediate insight.
"},"title":"What can investing return?"},{"richBody":{"value":"With Easy Invest (Dutch only), you can choose from four ready-made funds.
If you choose Pension Invest, you may invest with tax advantages on your contributions and your money will be locked in for a long period of time.
If you choose Self Invest (Dutch only), you make all the investment decisions yourself and decide what you want to invest in.
*This translation is intended for the customer’s convenience only. In the event of any inconsistency between the English translation and the original Dutch version, the original Dutch version shall prevail.
"},"title":"Easy Invest, Pension Invest, or Self Invest?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Discover more about investing"},"textLinks":[{"text":"Investing with ING","url":"/en/personal/investing"},{"text":"Sustainable investing","url":"/en/personal/investing/sustainability"},{"text":"How does investing work","url":"/en/personal/investing/how-does-investing-work"},{"text":"ING Investment Office","url":"/en/personal/investing/ing-investment-office"},{"text":"Market news and views","url":"/en/personal/investing/market-news-and-views"}]}]},"hasMacro":false,"id":"7b0ee8cc-d031-4fab-8921-67e956a005b5","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"How investing works","url":"/en/personal/investing/how-does-investing-work"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/130e8fab8351c15c/original/invest-pod-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/fb2204b8-76ce-459d-a57d-2d91ba2f863c/invest-pod-1920","type":"image","width":1920},"subtitle":"You can invest in: stocks, mutual funds, trackers, or bonds. But also in leveraged products, options, and real estate. In short, you can invest in all kinds of things. This page is an English translation of the original Dutch version.*","title":"What can you invest in?"},"cta":{"componentType":"cta","textLink":{"text":"Start investing (Dutch only)","url":"/particulier/beleggen"}}},"publishDate":"2026-06-19T14:47:27.461+02:00"}}